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Union State Bank
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| Access to fundsA Lower Down Payment Can Make Homeownership More Attainable The Fannie Mae HomeReady® Mortgage is a conventional home loan designed to help eligible homebuyers overcome some of the financial hurdles that can make purchasing a home challenging. With a down payment as low as 3% and flexible options for covering down payment and closing costs, HomeReady may provide an affordable path to homeownership for qualified borrowers. HomeReady® Benefits HomeReady offers several features designed to make buying a home more accessible: As little as 3% down on eligible home purchases. Flexible sources for down payment and closing costs , including eligible gifts and grants. No first-time homebuyer requirement. Both first-time and repeat homebuyers may qualify. Flexible income options that may allow certain rental or boarder income to be considered. Cancellable mortgage insurance when applicable requirements are met. Available for eligible properties used as your primary residence . Who May Qualify? HomeReady is designed primarily for creditworthy borrowers with lower incomes. Generally, qualifying borrower income must be at or below 80% of the Area Median Income (AMI) for the location of the property. Other credit, income, property and underwriting requirements also apply. Not sure if you qualify? Our mortgage team can review your situation, explain the program requirements and help determine whether HomeReady, or another home loan option, may be right for you. | WithheldUnion State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | Website |